June 2015 Check-In Thread

June 2015 Check-In Thread

June snuck up on me! 6 months into the year; we're now half-way done with 2015!! How have you done so far this year? This is a great time to really analyze your goals. How far have you come in them? Are your goals reasonable? Did you hit any potholes or speedbumps? Weathering through this period can be hard, but manageable when you have a good support team. Achieve some milestones, either small or mighty? Change your goals or add new ones? Anything you think is appropriate to add is what we want to hear about.

As a reminder, participation in these monthly check-ins is optional, but encouraged. The goal is to help keep you on track, so feel free to post your progress updates here. This is a no-judge zone; feel free to say what's keeping you up at night or give yourself kudos for having it all together.

Re: June 2015 Check-In Thread

Happy June!

No major changes in my scores this month, HOWEVER, I did achieve my original goal set on 01.02.2015 of 720 for EX and TU. If I could just get EQ to move, I'd be a happy gal! During my May check in, I was just 2 points shy on EX, and they magically appeared later in the month. Was gardening for the last few months, as home buying was the goal, however it looks like we'll be holding off for at least 6+ as DH may be relo'ed for work. I took that opportunity to pop out and reply to an email offer from Southwest for the 50K bonus plus a $100 statement credit after my first transaction. I fly Southwest at least 6 trips a year, so this card was a no-brainer. My first Chase card, insta-approved for $12,000 -- my highest limit to date. Though I was gardening for other reasons, it surely paid off. No plans to app again anytime soon, as I really enjoy watching my score continue to grow.

Re: June 2015 Check-In Thread

I ended up raising my TU goal since I beat it! I'm holding strong since I re-entered the garden (I know it wasn't that long ago!) I've been focusing on hitting my spend bonuses on the new cards and paying down UTI. I will pay off my Gap card in a few days and will sockdrawer it. The only major balance left is one of my Cap1 QS and I'll have to put that on hold (as in only pay minimum or a little more instead of large payments) because I'm moving. I got a new job where I'll be making more and once that's steady, I'll be looking for a house to buy! Must stay the course and keep the eyes on the prize.

Re: June 2015 Check-In Thread

I tried calling to get a GW removal with Honda financial yesterday for the first time, well it was no bueno but the rep was helpful to say the least. I plan on calling everyday and hopefully somebody will give me a yes. I'll also start sending letters too. Does anyone have any luck with late removals from Honda finance? My boo boo was a 90 day and one 30 day, my dad told me he would pay while i was in school and i found out he wasnt paying and I got a call from repo and had to come up with the money over night, which led to payday loans. which is an entirely different story. So the rep told me they could remove the 90 day because i was out for repo. But now im in good standing and this all occured over a year ago. oh and I had a collection that I guess was reissued sent to my report today but my score went up O_o ?...any word on that?

Re: June 2015 Check-In Thread

Stayed the course in the garden and enjoyed a19+ point increase on my FICO Scores. It has been a year since a new inquiry has hit the bureaus. Likely keep it cool in June and not loose my standing here on the boards.

Those are all my CO's. Couldn't get Verizon or Pinnacle to PFD (bastards!), so I finally broke down and did PIF on both. Figured that would be better than leaving them both unpaid, especially since they weren't set to drop for many years.

My other baddies are:

Closed DTE (utility) account, 1 60-day late in 2009 and 1 30-day late in 2010 - Not sure if it will help to GW this one?

America's Servicing foreclosure, they reported on it since 11/2010, and it's due to drop off 05/2016 - Not sure what, if anything, I can do about this one

Santander car loan, had a string (5 total) of 30-day lates and one 60-day late in 2013 (remaining balance is $1804) - Thinking about GW this one, since the account has "paying as agreed" since

Re: June 2015 Check-In Thread

Spider15 wrote:Stayed the course in the garden and enjoyed a19+ point increase on my FICO Scores. It has been a year since a new inquiry has hit the bureaus. Likely keep it cool in June and not loose my standing here on the boards.

Re: June 2015 Check-In Thread

I Have to put My Scores in the Garden??

I would love the EQ to be 800 but that is the one with Inquiries on it from April. Does the score gradually go up as the inquiries age month to month or does it wait until 1 year after inquiries age. Please help. I have 4 inquires for April, 1 for March, and 2 for September.

Re: June 2015 Check-In Thread

Payday today, just paid off 2 of my 5 cards, feels great! Scores are continuing to climb about 10+ points at a time.

Goals:

I am trying to get up to a 620+ so that my wife and I can finish getting our FHA Pre-approval on constructing our first home. #1 goal is paying off/ down these cards in lowering the UTIL it should be enough to bounce us back up to 620+ area.

Steps:

Lendor also wants to remove all the disputes on my CR, (a poor attempt back in 2013 at removing some old invalid collection accounts from my CR, turns out CA's dont have to be that accurate on the reporting after all, balances are a little off, account #'s are innaccurate, etc. CRA's said alot of the info meets standards. It did work for removing a few old accounts though) so sending those letters off this week to the CRA's.

Also paid off the 2nd (last) Judgement and found out the first one I had paid over 2 years ago never got updated to paid/ satisfied status, so sending the letters also on these this week to CRA's... hopefully the combination of the status updates to the Judgements and the update of removing the disputes on the old collection accounts wont kill my score too much... we will see by next month's update i'm sure.

Current:

My Capitol One card (#1 of 5) i just went from 79% UTIL down to $0. Wont show on score until 12-14th of this month.

My CreditOne card (#2 of 5) i just went from 53% UTIL down to $0. Wont show on score until 21st - 22nd of this month.

The near future plan:

Send off those letters indicated above to CRA's to correct "clerical issues" on the Reports.

6/19 = Pay off the Citi ccard (#3 of 5), going from 56% down to $0. Should show on scores by 25th - 27th of this month.

7/3 = Pay off the Bruneel (Synchrony) ccard (#4 of 5), going from 43% down to $0. Should show on scores by 15th - 17th of July.

Then its all about chipping away at the Discover ccard (#5 of 5), should be PIF by 10/23/2015.

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Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.
FTC's website on credit.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more about other FICO Score versions.

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.